Call reports 2002
FIRST WESTROADS BANK, INC. — 2002
What FIRST WESTROADS BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 162,141,000 | 163,241,000 | 159,776,000 | 158,054,000 |
| Total loans | 104,662,000 | 113,018,000 | 116,068,000 | 118,939,000 |
| Allowance for loan losses | 2,406,000 | 2,439,000 | 2,472,000 | 2,311,000 |
| Securities available for sale | 38,729,000 | 31,843,000 | 31,284,000 | 28,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,265,000 | 136,721,000 | 125,177,000 | 129,554,000 |
| Interest-bearing deposits | 108,593,000 | 102,697,000 | 88,290,000 | 87,718,000 |
| Noninterest-bearing deposits | 29,672,000 | 34,024,000 | 36,887,000 | 41,836,000 |
| Equity capital | 12,910,000 | 13,519,000 | 14,147,000 | 14,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 5,017,000 | 7,540,000 | 10,058,000 |
| Interest expense | 772,000 | 1,510,000 | 2,245,000 | 2,858,000 |
| Net interest income | 1,679,000 | 3,507,000 | 5,295,000 | 7,200,000 |
| Noninterest income | 257,000 | 529,000 | 846,000 | 1,153,000 |
| Noninterest expense | 877,000 | 1,771,000 | 2,718,000 | 3,740,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,029,000 | 2,205,000 | 3,333,000 | 4,493,000 |
| Income tax | 327,000 | 703,000 | 1,065,000 | 1,437,000 |
| Net income | 702,000 | 1,502,000 | 2,268,000 | 3,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,731,000 | 13,180,000 | 13,597,000 | 13,735,000 |
| Total capital | 14,182,000 | 14,681,000 | 15,116,000 | 15,284,000 |
| Risk-weighted assets | 115,092,000 | 119,142,000 | 120,587,000 | 123,148,000 |